| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $136K | $0 | $136K | 4.35% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $25K | $25K | 0.80% |
| HENRIOTT GROUP INC3 Filed as: HENRIOTT GROUP | 250 MAIN STREET STE 650 LAFAYETTE, IN 47901 | CINCINNATI LIFE INSURANCE COMPANY | $13K | — | $13K | 27.38% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN RD STE 208E NELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 12.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $921 | $921 | 1.95% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | COMPANION LIFE INSURANCE COMPANY | $0 | $853 | $853 | 2.13% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $304 | $1K | $2K | 53.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $58 | $58 | 1.90% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 602 | $3.1M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 602 | $3.1M |
| Life insurance(3 contracts, 3 carriers) | CINCINNATI LIFE INSURANCE COMPANY | 288 | $92K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 288 | $47K |
| Other(2 contracts, 2 carriers) | CINCINNATI LIFE INSURANCE COMPANY | 287 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.